No offense intended, but I also yours is not a good definition of "correctly assessing the risk". If it were followed, an extremely unlikely possibility of a horrible outcome would stop people from doing most optional things. For example, a risk of a horrible disease while on travel will lead to no travel.
Personalities differ and there are daredevils and scaredy cats that differ in pre-event risk assessments, but post (unlikely and traumatic) event assessment change is pretty universal. My 2c.
Re "It is a human nature to overreact (post-factum) to an unlikely event" -- yes, absolutely agreed. This is what I mean by saying that humans as a species are terrible at assessing low-probability risks. That most people change their view just means that most people both underestimate the likelihood of low probability events that haven't happened to anybody they know, and overestimate the likelihood of low probability events that have happened to somebody they know.